1, overpayment transfer, that is, if you want to withdraw more money from your credit card, you can only transfer it to your own peer savings card, and it is not free, and you need to charge a certain handling fee, usually 0.5%-3%.
2. Direct credit card transfer is equivalent to cash advance. If the user has no disposable funds, but must transfer money, he can withdraw cash through a credit card, then deposit the cash in a debit card and transfer money. This kind of transfer, in addition to the handling fee, also charges interest, from the date of transfer, the daily transfer amount of interest. Moreover, the general transferable amount is 50% of the credit line, and there is an upper limit every day. Most banks pay 2000 yuan a day.
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Consequences of overdue credit card bills:
1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
Rong 360- Credit Card Raiders, Baidu Encyclopedia-Credit Card